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In the spirit of this time of year (It's Christmas!), we thought that it would be good to share a few tips for the year ahead. Our twelve tips for Christmas are all key elements we discuss with our clients on a regular basis and the backbone to our investment proposition.

If you would like to learn more about our investment philosophy and beliefs, you will find a copy right here on the website.

We hope you find this interesting and if 2014 is a year in which you want to make a change to how you manage your finances, why not contact us.

1.

Diversity – on the 1st day of Christmas we consider the importance of diversifying, whether it's asset class, geographical or industry sector.

2.

Long term commitment – on the 2nd day we consider a long term strategy and planning your goals well ahead, which offers you a better chance of achieving them.

3.

Active management – the 3rd day is about active engagement offering an opportunity to beat the market and help meet your long term needs.

4.

Ownership investments – the 4th day is for owning a part of a company, with the potential to grow the capital and also income payable.

5.

Buy, hold and review – and on the 5th day, to buy and hold high quality investments over the long term, but allowing change if things go awry.

6.

Understanding risks – the 6th day explains there are many risks to be aware of and knowing they are there and what they are is the first step to avoiding them.

7.

Inflation – the 7th day is about a risk that is stealthy, as it creeps up on you over long term, and by owning the right investments, you can hopefully beat it.

8.

Having your goals – by the 8th day, have goals to aim for and plan ahead to beat them. Inflation, retirement, long term care and estate planning are some we help clients with.

9.

Tax efficiency – on the 9th day we want to ensure you mitigate paying tax on your savings, so we advise clients on ISAs, pensions and portfolio bonds to achieve this.

10.

Unemotional view – the 10th day is about, not taking decisions with emotional views on your savings and how we can help you understand why.

11.

Consolidating – the 11th day is to see how difficult it's to keep track on all of your investments and so keep them together in one place and see how they are working together.

12.

Regular reviews – finally on the 12th day, your savings are working for you, so it's important to keep them working and by reviewing regularly we ensure that they do.

Raymond James Investment Services Limited is a member of the London Stock Exchange andis authorised and regulated by the Financial Conduct Authority (Updated 13/09/2018). Registered in England andWales No. 3779657. Registered office: Broadwalk House 5 Appold Street London EC2A2AG. | RAYMOND JAMES is a registered trademark of Raymond James Financial, Inc. | Legal Disclosures